Privacy Policy

HONEY FINANCE GROUP
Privacy Policy

(Amended as of 28 October, 2004)

PLEASE NOTE: OUR PRIVACY POLICY CHANGES FROM TIME TO TIME. PLEASE CHECK BACK FOR
UPDATES

This Web site is not directed at persons under the age of 18. The following
privacy statement ("Privacy Policy") discloses our privacy practices and applies
to the services available under the domain of www.honeyloans.com.au (the "Site).
By registering on this Site through the submission of the information requested,
you agree that the following terms and conditions of this Privacy Policy shall
govern our use and disclosure of your personal information. If you do not agree
with the terms and conditions of our Privacy Policy, please do not complete the
information request form (i.e., do not register) or otherwise use or access this
Site.

This Privacy Policy describes in some detail the information that we collect
from you as part of the normal operation of our service, and what may happen to
the information we collect. The Privacy Policy is effective upon your
registration, and is otherwise effective on 28 October, 2004 for all users of
this Site. The previous privacy policy was effective for all users prior to this
date.

Your privacy is very important to us

We understand that some of the information that you might provide on our Site is
personal and private. By submitting your personal information, you are
entrusting us to handle information that you regard as private, solely for the
purposes and in the manner set forth in this Privacy Policy and for no other
purpose. In exchange for your trust, you expect us to handle your personal and
private information in a professional manner that will be in keeping with your
trust. Our Privacy Policy explains what information we obtain on this Site, and
how we use the information disclosed to us to link you to our business
affiliates who have expressed a willingness to provide you with the products and
services associated with this Site.

Who We Are

We are an on-line consumer service that introduces Specialised Lenders, Mortgage
Managers and/or Loan Originators of our choice (business affiliates) who have
expressed a general willingness to review your information and determine if they
are willing to provide you with the services or products that prompted you to
visit our Site. When you visit our Site, you will be requested to complete a
simple application with information that is deemed necessary for our business
affiliates to perform a preliminary analysis of your qualifications to receive
the service or products. Based upon your consent, as evidenced by your
registering with us on this Site (i.e., your submission of the requested
information on the application), we will forward the information that you
provided to certain of our business affiliates for determining whether they will
offer you the products and services that you are seeking.

In addition, from time to time, we or our business affiliates may e-mail you or
otherwise correspond with you to inform you of additional opportunities to
receive special offers for other services and/or products that we believe may be
of interest. There are no fees for this premium service ("Premium Service"), and
you are under no obligation to accept any service or product with any of our
business affiliates.

Information We Collect

The information that we collect is generally limited to personal information
about you that our business affiliates consider necessary for performing a
preliminary evaluation of your qualifications. To the extent that you can order
products, enter contests, express an opinion, or subscribe to a service(s), the
type of personally identifiable information that may be collected may include:
name; address; e-mail address; telephone number; fax number; credit card
information; information about your interests in and use of various products,
programs, and services; education level; educational interests; home owner
status; income; debt level; current mortgage; mortgage rate and the like. To the
extent that you are requested and you do submit information about other people,
such information will be limited recipient's name, address, e-mail address, and
telephone number.

We also collect user information that can help us optimize and enhance your
experience on our Site; as well as provide you with an efficient, safe, smooth,
and customised experience. For example, if you came to this Site from an online
banner ad, pop-up or other advertisement, an anonymous identification number may
be passed to our Site. In some cases, we may place a cookie in your browser. The
aforementioned information cannot, by itself, be used to gather any personally
identifiable information about you, but it will allow us to track the overall
effectiveness of our online advertising campaigns. We also automatically track
certain information with respect to your behaviour on the Site through the
forgoing cookie or identification number. This non-personally identifiable
information may include the Internet address or URL that you just came from and
which URL you go to next; your computer browser information; and your IP
address. We use this non-personally identifiable information in conjunction with
some of the information that you provided to us to do internal research on our
users' demographics and behaviour; and to better understand how to best serve
other users of this Site.

We also utilize Web Logs to track aggregate information about how our site is
being used. Web Logs track anonymous user information, including but not limited
to the number of visitors to our site, operating systems and browser type.
Unlike cookies, Web Logs are maintained only on our servers and do not store or
place anything on the user's computer.

How We Use Your Information

We collect the information that you submit and which our business affiliates
consider necessary for performing a preliminary evaluation of your
qualifications for their products and services. Prior to sending your
information to our business affiliates, we attempt to validate it. For example,
we may compare and review your personal information for errors, omissions, and
accuracy based upon past usage and response; or compare your information against
other publicly available files; or validate some of the personal information
submitted to verify that the information inputted has a high probability of
being valid information.
After we submit your information to our business affiliates, our business
affiliates may begin a separate and independent evaluation of the information
you submitted (the "Preliminary Application"). If our business affiliates find
that the Preliminary Application meets with their more specific acceptance
criterion, they may contact you directly by phone, mail or e-mail. For more
information on how our business affiliates will handle your personal
information, please visit our business affiliate's website, once contacted and
review their privacy policy. We are not responsible for the privacy practices or
the content of our business affiliates' Web sites.

Once you have registered with us, you are automatically enrolled to receive our
Premium Service. We use the information you provided, along with other
information described below, to create a general user profile. This profile can
be created by combining your information with other sources of information such
as information obtained from public databases, or from your browsing habits
surrounding your visit to this Site.

WE DO NOT MARKET, USE OR RESELL YOUR FINANCIAL INFORMATION. HOWEVER, WE MAY USE
OTHER PERSONALLY IDENTIFIABLE INFORMATION THAT WE HAVE COLLECTED FOR ANY LEGALLY
PERMISSIBLE PURPOSE, INCLUDING SELLING OR TRANSFERRING SUCH INFORMATION AT ANY
TIME TO THIRD PARTIES FOR ANY LEGALLY PERMISSIBLE PURPOSE IN OUR SOLE
DISCRETION.
For example, we may share your personal information with select business
affiliates so that they can contact you and offer you products and or services
that we believe might be of interest to you. This may include e-mail
advertising, telephone marketing, direct mail marketing, and online banner
advertising to name a few. In addition, we may maintain separate e-mail, mailing
or phone lists for different purposes based on the information that you
submitted and that we maintain. For your information, our business affiliates
have all agreed to operate in accordance with federal and state laws and
regulations relating to the handling of your personal information. You may learn
more about any of our business affiliate's privacy policy by visiting our
business affiliates' Web sites at such times as such affiliate may contact you.
We are not responsible for the privacy practices or the content of our business
affiliates' Web sites. If you wish to end any e-mail correspondence from us, you
will need to Unsubscribe from receiving further correspondence by advising us of
your decision to Unsubscribe by clicking a link in the e-mail to our Unsubscribe
procedures. Within ten (10) business days, your e-mail address will be placed on
a suppression list and we will no longer correspond with you by email or resell
or transfer your information to third parties. If you wish to end future
correspondence with any of our business affiliates, you will need to follow the
instructions at the end of any such each e-mail message from them to unsubscribe
from such business affiliate's e-mail.

We may also disclose your personally identifiable information in response to a
subpoena, court order, or other legal process; as well as the transfer or sale
of personally identifiable information pursuant to the sale of our business or
assets. Should such a combination or acquisition occur, we would require that
the new combined or acquiring entity follow this privacy policy with respect to
your personal information.

In addition to the forgoing, we may also sell, transfer or share
non-individualized information, such as summary or aggregated anonymous
information about all persons or sub-groups of persons visiting this site.

We cannot ensure that all of your private communications and other personal
information will never be disclosed in ways not otherwise described in this
Privacy Policy. For example, third parties may unlawfully intercept personal
data or access our servers and obtain personal data. Therefore, although we use
industry standard practices to protect your privacy, we do not promise, nor you
should not expect, that your personal information would always remain private.

Finally, while we do not store financial information (i.e., credit card numbers
or other information such as drivers licenses on this Site ("Financial
Information")), we do retain such information on our servers for a period of 45
days solely for back-up information purposes and to facilitate the processing
and completing of purchase transactions with our business affiliates. In such
cases, Financial Information will be disclosed to our business affiliates only
as necessary to complete a transaction. Thereafter, Financial Information will
automatically be deleted from our servers after 45 days, or the approximate time
when your contemplated transactions are completed.

Application of this Privacy Policy

This Privacy Policy applies to consumers that have signed up on the
www.honeyloans.com.au website. We may sell the personal information that you
supply to us and we may work with other third party businesses to bring selected
retail opportunities to our members via direct mail, email and telemarketing.
These businesses may include providers of direct marketing services and
applications, including lookup and reference, data enhancement, suppression and
validation and email marketing.

How We Protect Your Privacy

Once your information reaches our server, it is protected by a firewall. With a
firewall in place, your information is virtually inaccessible to third parties.
In addition to encryption and firewall protections, we have all of our business
affiliates agree to operate in accordance with federal and state laws and
regulations, including regulations relating to CAN-SPAM and rules promulgated by
the Office of the Federal Privacy Commissioner. If we learn that any of our
business affiliates are breaching our agreement, and therefore your trust, we
will take corrective actions immediately or terminate our relationship with such
business affiliate.

Changes to your Information

If you want to change the information that you submitted, or make other
significant changes to your Preliminary Application, please do so by making
another request through our Site.

Notification of Changes to Privacy Policy

We may unilaterally amend this Privacy Policy at any time by posting a new
privacy policy on the Site. Be sure to check the current terms of any privacy
policy in effect by visiting this Site. By checking the effective date of the
policy, you will be immediately alerted on whether the Privacy Policy has been
amended. Please note however, that all amended terms, or the new privacy policy
shall automatically become effective 30 days after initial posting.

From time to time, we may use your information for new, unanticipated uses not
previously disclosed in our Privacy Policy. Please note that if our information
practices change at some time in the future, we will use only data collected
from the time of the new privacy policy amendment forward for those new
purposes.

ACCESS TO YOUR PERSONAL INFORMATION

We will provide you with access to your personal information we hold about you.
You may request access to any of the personal information we hold about you at
any time. To access personal information we hold about you, e-mail your request
to: privacyrequest@honeyloans.com.au